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BankSonar

Farmers and Merchants Bank

Piedmont, AL · State, non-member commercial bank

52

Sonar Score

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out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$311.8M
Total deposits
$277.6M
Branches
5
Return on assets
0.84%
Return on equity
8.18%
Charter type
State, non-member commercial bank
Established
1915
FDIC cert #
1735

How the 52 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Modest but positive returns.

Return on equityweight 15%

Positive but moderate equity returns.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at Farmers and Merchants Bank

Farmers and Merchants Bank is an FDIC-insured institution (Cert #1735). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

5 branch locations

112 E Ladiga St

Piedmont, AL 36272

1429 Quintard Ave

Anniston, AL 36201

1130 Pelham Rd S

Jacksonville, AL 36265

35 Ali Way

Oxford, AL 36203

1225 Chesnut Byp

Centre, AL 35960

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